Making it easy to find the exact coverage and immediate hot shot insurance certificates you are looking for.
Hot Shot Trucking Insurance
Hot shot trucking usually involves a time sensitive load that needs to be delivered quickly. The loads can be done using a standard size truck and flatbed trailer.
This is a great option for truckers that need to stay regional and not go over the road for weeks at a time. Truckers doing hot shot loads can also charge more per mile due to the urgency of the load. Many loads are called with only a short notice of needing to be delivered.
While Cargo coverage may not be mandatory, most companies will require you to carry $100,000 of cargo insurance to deliver for them. Primary liability requirements may be at $1 million.
Common Coverages required to perform most “Hot Shot” loads:
Bodily Injury/ Property Damage: Liability protection that covers the other person’s medical bills and property damage caused by an accident that you have caused.
Comprehensive: Covers against vandalism, fire, glass breakage, theft, hitting an animal, or hail/ weather damage.
Collision: covers damages due to having an impact with another vehicle, stationary object, or pothole.
Emergency Roadside Assistance Coverage: Coverage for flat tire, towing, or other emergency roadside assistance
Rental with Downtime: Coverage that can pay you while your truck is down due to a covered accident. Usually up to $100/ per day.
Medical Payments: Pays medical bills from an injury that occurred while operating your truck on a hot shot load
Cargo coverage: Protection for the cargo while in your possession in case of a covered loss. The most common coverage amount for cargo is $100,000.